You like investment insurance, you'd better wait to be cheated. The person who gave you universal insurance is really a good person. If you say that others misled you, you must feel that the rate of return is not high. You should speculate in stocks, gold and foreign exchange. The insurance function is not investment.
Investment-linked insurance is good, with a loss of at least 15% from last year to this year. Are you going to say that others misled you again? And other dividend insurance, the annual income is only 4%, do you feel that there is no bank?
It's best to study what insurance is before buying insurance, otherwise, no matter whether you are a good agent or a bad agent, you will not be satisfied in the end.
Another replied that reducing the insured amount can increase investment. I really doubt whether you know anything about universal insurance. I just joined the insurance company, and I have the same idea as you, but in fact, tens of thousands of pieces of insurance are not used for investment at all. Compared with the real investment income, more income is the root hair, and the reduced safeguard function is not a small amount to use. Don't say it won't happen. If you don't think it will happen, then not buying insurance is the best choice.